Frequently Asked Questions

We get it, you have questions. Well, we have answers.

If you are looking to help protect your family's financial future with Accidental Death Direct insurance, we can help answer your questions and find the best type of insurance for your individual situation.

Why Should I Buy Accidental Death Direct Insurance?

You may try to convince yourself that you will not die or be seriously injured in an accident, but the reality is, it's better to be safe than sorry. Having an accidental death and dismemberment insurance (Accidental Death Insurance) policy like Accidental Death Direct in your back pocket can give you added peace of mind. Also, if your health, occupation, or other factors prevent you from qualifying for life insurance, a guaranteed issue Accidental Death Direct policy can offer some measure of protection when you would otherwise have none.

What is Accidental Death Direct Insurance?

Accidental Death Direct is Accidental Death Insurance, which helps protect you and your loved ones in the event you are injured or killed in a covered accident. Accidental Death Direct coverage provides a cash amount to you or your beneficiaries if you die or suffer a dismemberment injury, paralysis, blindness, total hearing loss or burns. Benefits vary by state.

Can I Buy Accidental Death Direct Insurance Online?

Yes. It's easy and if you're reading this, you're already online! You can buy Accidental Death Direct on this website in just a few minutes. There is no medical exam to take, and there are no long forms to fill out. There is no waiting period for your coverage to begin. You and your family will be protected immediately. Limitations vary by state.

Is American General a Good Company?

Yes! American General Life Insurance Company is based in Houston, Texas and has served 13 million customers and paid out $34 billion in life insurance claims and benefits. You and your family can trust American General with your financial future.

Do I Have to Take a Medical Exam?

No. There are no needles or prying health questionnaires. Thank goodness. With Accidental Death Direct, there is no medical exam to take. And there is no waiting period for your coverage to begin.

Can I be Denied an Accidental Death Direct Policy?

It's all good. Really. If you are between the ages of 18 and 80, regardless of your health, occupation, or other risk factors, you can get an Accidental Death Direct policy, without taking a medical exam, for just pennies per day!

What if I Have Pre-Existing Medical Conditions?

Believe it or not, it doesn't matter. You can qualify for Accidental Death Direct even if you have pre-existing medical conditions. You cannot be turned down for coverage due to your medical condition.

What Expenses Can Accidental Death Direct Proceeds Cover?

You're going to love this. It's really up to you. While no amount of money can bring back a loved one who dies in an accident or replace a lost limb, proceeds from Accidental Death Direct can help reduce the financial burden that results from such accidents. The money can be used to help pay a mortgage, rent, and other living expenses, college or retirement funds, medical bills including deductibles and other out-of-pocket costs, burial and funeral costs, and lost wages to maintain a standard of living.

What Does Accidental Death Direct Cover?

In brief, we'd say death or dismemberment injuries from accidents. And just to clarify, an accident generally is defined as an unforeseen and sudden physical situation which is outside of your control.

Death from accidents involving car accidents machinery, poisoning, falls, suffocation, choking, drowning, and fires generally are covered by Accidental Death Direct. Accidental Death Direct also covers dismemberment (the partial or total loss of a hand, arm, leg, or foot) as well as paralysis, total loss of hearing, burns over 20 percent of your body, burns and blindness which result from covered accidents. Benefits vary by state.

Generally, a death must occur within 90 days of the accident in order for death benefits to be payable under the policy. Death that occurs after 90 days or is not directly the result of an accident is not covered by the policy.

What if I Change My Mind After I Buy the Accidental Death Direct Policy?

If you are not completely satisfied with your policy for any reason, simply return it within 30 days from delivery and your coverage will be cancelled and premiums paid refunded to you.

What Is Not Covered by Accidental Death Direct?

Well, not all accidents are created equal. Accidental Death Direct typically does not cover injuries or deaths caused by surgery, mental or physical illness, drug overdose, bacterial infection, drinking and driving, suicide or attempted suicide, or those suffered while the insured individual is intentionally engaged in high-risk activities such as skydiving, car racing, or while at war. Limitations vary by state.

How Do I Add a Beneficiary to My Policy?

It's fast and easy. Point, click and then you've added a spouse, child or other loved one as a beneficiary to your policy. This way, they can qualify to receive the policy proceeds in the event of your death from a covered accident. A beneficiary can be added online during the application process or at any time later, after your policy is issued, by contacting American General Life Insurance Company at (800) 231-3655 or online at www.AmericanGeneral.com. You can add up to 10 beneficiaries if you want.

How Do I Get a Duplicate Copy of My Policy?

Just ask. If you have an Accidental Death Direct policy and want to receive another copy of your policy, you should contact the insurance carrier, American General Life Insurance Company (American General) at (800) 231-3655 or online at www.AmericanGeneral.com. American General allows policyholders to view and print their insurance policies online or you may arrange for hard copies to be mailed to you.

How Does My Beneficiary Receive the Policy Benefits if I am Injured or Killed in an Accident?

They just need to contact your insurer, American General Life Insurance Company at (800) 231-3655 or online at www.AmericanGeneral.com. We're here for you and your loved ones. If you are injured or killed in an accident that is covered by your policy, your beneficiary—or beneficiaries if you have more than one person designated—will need to file a claim to receive the money provided by the policy.

What Happens To My Benefits When I Reach Age 70?

Okay, here's the deal. The benefits of your Accidental Death Direct policy reduce by 50 percent on the policy anniversary after you reach age 70 or 5 years from the effective date of the policy, whichever provides the longer period of coverage. So if you signed up at the age of 68, you would still retain full coverage until you are 73.

Why Do You Ask if I am a U.S. Citizen?

American General Life Insurance Company only sells life insurance and accidental death and dismemberment insurance to legal residents of the United States.

Can My Same-Sex Partner be Covered on My Policy?

Whether or not your same-sex partner can be added as a covered individual on your Accidental Death Direct policy depends on the state law where you reside. If same-sex marriage is legal and recognized as binding in your state, then you and the person you are seeking to include on your policy must be legally married. In states where same-sex domestic partnerships are legally recognized, typically through registration or certification, then you and your partner may qualify for joint coverage provided you have complied with the statutes of your state to formalize the relationship. If a state does not recognize the status of the same-sex relationship, then you and the person you are seeking to include on your policy would not qualify for joint policy coverage. A good rule of thumb to follow is how you and your same-sex partner present yourselves when filing state taxes, since the federal government has not recognized same-sex marriages.

Do I Need to Provide Any Documentation for My Same-Sex Partner?

No more than for opposite-sex couples. Both opposite-sex and same-sex couples may be required to provide documentation to validate the relationship in order to receive the policy benefits in the event of the policyholder's death or injury.

How Do I Change the Form of Payment After I Purchase a Policy?

Call us. We'll help you. If you would like to change how you are paying your monthly premiums, contact American General's customer service at (800) 231-3655 to request the change. If immeidate changes are needed, please contact AIG Direct at (888) 517-9797. If you need to change the credit card used for billing on your policy immediately after you have applied for coverage and before your policy has been issued, please call AIG Direct at (888) 517-9797. After your policy has been issued, changes can be made for automatic charges by going online to www.AmericanGeneral.com or by calling American General at (800) 231-3655.

What if I Change My Credit Card Information After I Purchase?

Let us know. If you change the credit card account you are using for automatic charges of your monthly premiums, we recommend you contact us to update your payment information.

Why is My Spouse Coverage at 50% of the Policy Face Value?

That's just the way the policy works. When you buy Accidental Death Direct and include coverage for your spouse in your policy, the face amount of the spouse's coverage is automatically set at 50% of your policy's face value. If you'd like full coverage for your spouse, you can buy a separate policy with higher face amounts.

Can I Mail in a Check Every Month?

Come on, that's so twentieth century. Unfortunately, you are limited to paying your monthly premiums via credit card or bank draft (also called EFT) if you are paying your premiums monthly. On a different payment schedule, such as annual or semi-annual, payment may be made either by EFT, credit card or you can mail in a check after you have made your first payment online.

Can I Convert This Accidental Death Insurance Policy to Another Kind of Insurance?

No, you cannot convert your Accidental Death Direct policy to a form of traditional life insurance, such as term life, whole life or universal life. However, if you are interested in adding a life insurance policy to your insurance portfolio along with Accidental Death Direct, we can put you in touch with a licensed agent who can go over all your life insurance options. Just call (800) 323-1967 for a free quote.

Can I Make Changes to the Percentage of Benefits to be Distributed to My Beneficiaries Upon My Death?

Yes, you may contact us at any time to change how much of the benefit will go to each of your beneficiaries. Keep in mind that the total to be shared must always equal 100 percent of your policy benefits.

Who is the Beneficiary in Case My Beneficiary is Killed?

If you have multiple beneficiaries, then it would be allocated proportionately among the surviving beneficiaries. If you name only one beneficiary (e.g. your spouse), then it would go to your estate.

What is the Difference Between the Coverage Options Shown Here?

We have suggested a few coverage options based on the information you provided to us. You'll notice there are differences in who is covered and the type and amount of coverage offered with each option. For example, some options cover only you as an individual, while others cover a spouse and/or the entire family. We suggest that you select one of the options we found for you, but if you would like to explore more options, simply click the "Customize Your Quote" button on the bottom to calculate your own personalized coverage.

Is the PDF Version of My Completed Application Form My Insurance Policy?

No, it is not. The PDF of your application form is provided as a courtesy for you to keep in your records and to refer to until you receive your policy.

When Will I Get My Accidental Death Direct Policy?

Within 48 hours, once your identity has been verified and your payment received, you will receive an email with a link to our eService site where you can download a copy of your insurance policy.

How Many Children Can I Cover With Accidental Death Direct?

There is no limit to the number of children you can cover with your accident policies. If you elect to cover children, all of your children will automatically be covered – even if they are born after the policy is issued, at no additional cost.

Why is This a Less Expensive Option Than Life Insurance?

Accidental Death Insurance generally is less expensive than term life or other forms of traditional life insurance because it covers only death or injury caused by accidents. By comparison, traditional life insurance covers death caused by injury, accidents, and sickness.

Who Can be a Beneficiary?

In order to be named as a beneficiary of death proceeds on an Accident Death Direct insurance policy, a person must be living.

What if My Beneficiary is a Minor (under age 18)?

If the person you adding as a beneficiary to your insurance policy is a minor (under age 18) at the time you are injured or killed in a covered accident, that person may file a claim for policy proceeds. However, because your beneficiary is a minor, the money paid out by the policy may go to your estate or to the legal guardian for the benefit of the minor beneficiary.

Will I Be Covered Once I Finish This Accidental Death Direct Online Application Process?

Yes. The insurer will need to verify the information you have provided including your identity and receipt of payment, as required by law. Even though they will still be processing your policy application and you will not receive a copy of your policy for a couple of days, rest assured that, once issued, you're covered as of the time you submitted your application.

Will I Get Proof of My Accidental Death Direct Coverage Online?

Yes. The confirmation page you will see after you submit your application form online will contain your Accidental Death Direct policy number and other policy details. Then, within a few days of you submitting your application form, you will be sent a link via email to download receive a copy of your actual policy as confirmation that you're covered.

How Will I Pay for This Policy?

It's really easy. Depending on how often you want to pay your policy premiums – you'll be able to choose from monthly, semi-annually or annually -- you can pay by an EFT bank transfer, credit card, or by dropping a check in the mail after you have made your first payment online.

What if I Want to Change My Coverage Option?

No problem. You can raise or lower the amount of coverage you are buying before you actually purchase the policy. If you'd like to change your coverage amount after your policy is in force, you'll be able to do so easily by contacting us at (800) 323-1967. In fact, it's a good practice to keep on top of your insurance coverage to make sure you have the appropriate amount to cover your current needs.

Can I Cancel This?

You sure can. If you ever decide that you no longer want your policy, all you have to do is contact us directly to cancel your policy. There are no fees or other financial penalties for canceling your Accidental Death Direct policy.

When Will My Coverage Begin?

Your Accidental Death Direct coverage will begin after you purchase the coverage. The insurer will need to verify your identity and the information provided, as required by law. Even though they will still be processing your application and you will not receive a copy of your policy for a couple of days, rest assured that, once issued, you're covered as of the time you submitted your application.

Do I Have to Provide My SSN?

No. In order to buy a policy online, all you have to do is confirm that you have a valid Social Security Number. We use the social security number of the person who is covered by the policy as a way to positively identify that person in the event a claim is filed for the policy benefits. If years from now you pass away and your spouse, child or other beneficiary wants to collect the money from your policy, we'll use your social security number as one way of making sure that you are in fact the person covered by the policy. Think of it as helping ensure that your loved ones get the money they deserve after you are gone.

Can I Change Beneficiaries?

Sure. At any time, you can remove or add people you want to receive the financial proceeds of your accidental death benefit under the policies in the event your death is caused by an accident. You can name up to 10 people as beneficiaries and there is no penalty for adding or changing beneficiaries.

What are Triple Benefits?

The triple benefits under Accidental Death Direct mean that if you or the other insureds die or sustain certain injuries in a covered accident while traveling in a bus, taxi, airplane or other type of common carrier, the insureds or the beneficiaries will receive three times the insured person's applicable benefit amount. So if you have $100,000 of coverage and die in a covered common carrier accident, your beneficiaries would receive $300,000. Benefits only double in the states of CA, FL and VA.

What are Living Benefits?

Accidental Death Direct living benefits refer to money you would receive for certain injuries suffered in a covered accident. For example, living benefits are paid for the loss of a limb or hearing. The amount of benefits paid depends on the degree of the injury.

Frequently Asked Questions

We get it, you have questions. Well, we have answers.

Whether you are looking to help protect your family's financial future with Accidental Death Direct insurance or help pay for out-of-pocket medical bills with an Accident Expense Direct policy, we can help answer your questions and find the best type of insurance for your individual situation.

See below for Frequently Asked Questions you might have about Accidental Death Direct and Accident Expense Direct insurance.

Why Should I Buy Accidental Death Direct Insurance?

You may try to convince yourself that you will not die or be seriously injured in an accident, but the reality is, it's better to be safe than sorry. Having an Accidental Death and Dismemberment Insurance policy like Accidental Death Direct in your back pocket can give you added peace of mind. Also, if your health, occupation, or other factors prevent you from qualifying for life insurance, a guaranteed issue Accidental Death Direct policy can offer some measure of protection when you would otherwise have none.

What is Accidental Death Direct Insurance?

Accidental Death Direct is Accidental Death and Dismemberment (Accidental Death) Insurance, which helps protect you and your loved ones in the event you are injured or killed in a covered accident. Accidental Death Direct coverage provides a cash amount to you or your beneficiaries if you die or suffer a dismemberment injury, paralysis, blindness, total hearing loss or burns.

Can I Buy Accidental Death Direct Insurance Online?

Yes. It's easy and if you're reading this, you're already online! You can buy Accidental Death and Dismemberment Insurance on this website in just a few minutes. There is no medical exam to take, and no long forms to fill out. There is no waiting period for your coverage to begin. You and your family will be protected immediately.

Do I Have to Take a Medical Exam?

No. There are no needles or prying health questionnaires. Thank goodness. With Accidental Death Direct, there is no medical exam to take. And there is no waiting period for your coverage to begin.

Can I be Denied an Accidental Death Direct Policy?

It's all good. Really. If you are between the ages of 18 and 80, regardless of your health, occupation, or other risk factors, you can get an Accidental Death and Dismemberment Insurance policy, without taking a medical exam, for just pennies per day!

What if I Have Pre-Existing Medical Conditions?

Believe it or not, we don't care. You can qualify for Accidental Death Direct even if you have pre-existing medical conditions. You cannot be turned down for coverage due to your medical condition if you are between the ages of 18 and 80.

What Expenses Can Accidental Death Direct Proceeds Cover?

You're going to love this. It's really up to you. While no amount of money can bring back a loved one who dies in an accident or replace a lost limb, proceeds from Accidental Death and Dismemberment insurance can help reduce the financial burden that results from such accidents. The money can be used to help pay a mortgage, rent, and other living expenses, college or retirement funds, medical bills including deductibles and other out-of-pocket costs, burial and funeral costs, and lost wages to maintain a standard of living.

What Does Accidental Death Insurance Cover?

In brief, we'd say death or dismemberment injuries from accidents. And just to clarify, an accident generally is defined as an unforeseen and sudden physical situation which is outside of your control. Death from accidents involving car accidents machinery, poisoning, falls, suffocation, choking, drowning, and fires generally are covered by Accidental Death and Dismemberment Insurance. Accidental Death Direct also covers dismemberment (the partial or total loss of a hand, arm, leg, or foot) as well as paralysis, total loss of hearing, burns over 20 percent of your body, burns and blindness which result from covered accidents. Generally, a death must occur within 90 days of the accident in order for death benefits to be payable under the policy. Death that occurs after 90 days or is not directly the result of an accident is not covered by the policy.

What if I Change My Mind After I Buy the Policy?

If you are not completely satisfied with your policy for any reason, simply return it within 30 days from delivery and your coverage will be cancelled and premiums paid refunded to you.

What Is Not Covered by Accidental Death and Dismemberment Insurance?

Well, not all accidents are created equal. Accidental Death Direct typically does not cover injuries or deaths caused by surgery, mental or physical illness, drug overdose, bacterial infection, drinking and driving, suicide or attempted suicide, or those suffered while the insured individual is intentionally engaged in high-risk activities such as skydiving, car racing, or while at war.

How Do I Add a Beneficiary to My Policy?

It's fast and easy. Like, point, click and then you've added a spouse, child or other loved one as a beneficiary to your policy. This way, they can qualify to receive the policy proceeds in the event of your death from a covered accident. A beneficiary can be added online during the application process or at any time later, after your policy is issued, by contacting American General Life Insurance Company at (800) 231-3655. You can add as many beneficiaries as you want.

What is This Other Kind of Insurance Called Accident Expense Direct and What Does it Cover?

In a nutshell, it's cash in hand for out-of-pocket expenses. Accident Expense Direct is insurance to help cover your out-of-pocket medical expenses related to a covered accident. For example, it can help pay for emergency room treatments, follow-up doctor's appointments, ambulance transportation, X-Ray, MRI, CT Scan, EEG and other medical costs related to your covered accident.

How Do I Get a Duplicate Copy of My Policy?

Just ask. If you have an Accidental Death Direct or Accident Expense Direct policy and want to receive another copy of your policy, you should contact the insurance carrier, American General Life Insurance Company (American General) at (800) 231-3655. American General allows policyholders to view and print their life insurance policies online or you may arrange for hard copies to be mailed to you.

How Does My Beneficiary Receive the Policy Benefits if I am Injured or Killed in an Accident?

They just need to contact your insurer, American General Life Insurance Company. We're here for you and your loved ones. If you are injured or killed in an accident that is covered by your policy, your beneficiary—or beneficiaries if you have more than one person designated—will need to file a claim to receive the money provided by the policy.

What Happens To My Benefits When I Reach Age 70?

Okay, here's the deal. The benefits of your Accidental Death Direct policy reduce by 50 percent on the policy anniversary after you reach age 70 or 5 years from the effective date of the policy, whichever provides the longer period of coverage. So if you signed up at the age of 68, you would still retain full coverage until you are 73.

Why Do You Ask if I am a U.S. Citizen?

American General Life Insurance Company only sells life insurance and Accidental Death and Dismemberment insurance to legal residents of the United States.

Can My Same-Sex Partner be Covered on My Policy?

Whether or not your same-sex partner can be added as a covered individual on your Accidental Death and Dismemberment policy depends on the state law where you reside. If same-sex marriage is legal and recognized as binding in your state, then you and the person you are seeking to include on your policy must be legally married. In states where same-sex domestic partnerships are legally recognized, typically through registration or certification, then you and your partner may qualify for joint coverage provided you have complied with the statutes of your state to formalize the relationship. If a state does not recognize the status of the same-sex relationship, then you and the person you are seeking to include on your policy would not qualify for joint policy coverage. A good rule of thumb to follow is how you and your same-sex partner present yourselves when filing state taxes, since the federal government has not recognized same-sex marriages.

Do I Need to Provide Any Documentation for My Same-Sex Partner?

No more than for opposite-sex couples. Both opposite-sex and same-sex couples may be required to provide documentation to validate the relationship in order to receive the policy benefits in the event of the policyholder's death or injury.

How Do I Change the Form of Payment After I Purchase a Policy?

Call us. We'll help you. If you would like to change how you are paying your monthly premiums, contact American General's customer service at (800) 231-3655 to request the change.

What if I Change My Credit Card Information After I Purchase?

Let us know. If you change the credit card account you are using for automatic charges of your monthly premiums, we recommend you contact us to update your payment information.

Why is My Spouse Coverage at 50% of the Policy Face Value?

That's just the way it works. When you buy Accidental Death Direct and include coverage for your spouse in your policy, the face amount of the spouse's coverage is automatically set at 50% of your policy's face value. If you'd like full coverage for your spouse, you can buy a separate policy with higher face amounts.

Can I Mail in a Check Every Month?

Come on, that's so twentieth century. Unfortunately, you are limited to paying your monthly premiums via credit card or bank draft (also called EFT) if you are paying your premiums monthly. On a different payment schedule, such as annual or semi-annual, payment may be made either by EFT, credit card or you can mail in a check after you have made your first payment online.

Can I Convert This Accidental Death Insurance Policy to Another Kind of Insurance?

No, you cannot convert your accidental death policy to a form of traditional life insurance, such as term life, whole life or universal life. However, if you are interested in adding a life insurance policy to your insurance portfolio along with Accidental Death Direct, we can put you in touch with a licensed agent who can go over all your life insurance options.

Can I Make Changes to the Percentage of Benefits to be Distributed to My Beneficiaries Upon My Death?

Yes, you may contact us at any time to change how much of the benefit will go to each of your beneficiaries. Keep in mind that the total to be shared must always equal 100 percent of your policy benefits.

Who is the Beneficiary in Case My Beneficiary is Injured or Killed?

If your spouse is named as your policy beneficiary and he or she dies before you, the money from your policy would be paid to your estate.

What is the Difference Between the Policies and Coverage Options Shown Here?

We have suggested a few policy and coverage options based on the information you provided to us. You'll notice there are differences in who is covered and the type and amount of coverage offered with each option. For example, some options cover only you as an individual, while others cover a spouse and/or the entire family. There also are policies and options which include an Accident Expense Direct policy that can help pay for hospital and emergency room expenses, in case you have a covered accident. We suggest that you select one of the combinations of policies and options we found for you, but if you would like to explore more options, simply click the “Customize Your Quote” button on the bottom to calculate your own personalized coverage.

Is the PDF Version of My Completed Application Form My Insurance Policy?

No, it is not. The PDF of your application form is provided as a courtesy for you to keep in your records and to refer to until you receive your policy. In a couple of days, once your identity has been verified and your payment received, you will receive an email with a link to our eService site where you can download a copy of your insurance policy.

When Will I Get My Policy Documents?

Within 72 hours, once your identity has been verified and your payment received, you will receive an email with a link to our eService site where you can download a copy of your insurance policy.

How Many Children Can I Cover?

There is no limit to the number of children you can cover with your accident policies. If you elect to cover children, all of your children will automatically be covered – even if they are born after the policy is issued, at no additional cost.

Why is This a Less Expensive Option Than Life Insurance?

Accidental Death and Dismemberment Insurance generally is less expensive than term life or other forms of traditional life insurance because it covers only death or injury caused by accidents. By comparison, traditional life insurance covers death caused by sickness as well as accidents.

Why Should I Buy Accident Expense Direct Coverage?

We all know how expensive a hospital stay can be. Accident Expense Direct is insurance to help cover your out-of-pocket medical expenses related to injuries suffered in a covered accident. The policy can help you pay for emergency room treatments, follow-up doctor's appointments, ambulance transportation, X-Ray, MRI, CT Scan, EEG and other medical costs related to an accident that are covered by your policy.

What Sorts of Expenses Does Accident Expense Direct Cover?

Accident Expense Direct can help you pay for emergency room treatments, follow-up doctor's appointments, ambulance transportation, X-Ray, MRI, CT Scan, EEG and other medical costs related to your covered accident. We don't have to tell you that these costs can quickly add up if you're injured or killed in an accident.

Who Can be a Beneficiary?

In order to be named as a beneficiary of death proceeds on an Accident Death Direct or Accident Expense Direct insurance policy, a person must be living.

What if My Beneficiary is a Minor (under age 18)?

If the person you adding as a beneficiary to your insurance policy is a minor (under age 18) at the time you are injured or killed in a covered accident, that person may file a claim for policy proceeds. However, because your beneficiary is a minor, the money paid out by the policy may go to your estate or to the legal guardian of the minor beneficiary.

How Will Accident Expense Direct Benefits Go to My Beneficiaries?

Beneficiaries to your AED policy must file a claim for policy proceeds upon your death from a covered accident. If the claim is approved, your beneficiaries will receive a check for proceeds they can then use to help pay outstanding hospital care bills.

Will I Be Covered Once I Finish This Online Application Process?

Yes. The insurer will need to verify the information you have provided including your identity and receipt of payment, as required by law. Even though they will still be processing your policy application and you will not receive a copy of your policy for a couple days, rest assured that, once issued, you're covered as of the time you submitted your application.

Will I Get Proof of Coverage Online?

Yes. The confirmation page you will see after you submit your application form online will contain your policy number and other policy details. Then, within a few days of you submitting your application form, you will be sent a link via email to download receive a copy of your actual policy as confirmation that you're covered.

How Will I Pay for This Policy?

It's really easy. Depending on how often you want to pay your policy premiums – you'll be able to choose from monthly, semi-annually or annually -- you can pay by an EFT bank transfer, credit card, or by dropping a check in the mail after you have made your first payment online.

What if I Want to Change My Coverage Option?

No problem. You can raise or lower the amount of coverage you are buying before you actually purchase the policy. If you'd like to change your coverage amount after your policy is in force, you'll be able to do so easily by contacting us. In fact, it's a good practice to keep on top of your insurance coverage to make sure you have the appropriate amount to cover your current needs.

Can I Cancel This?

You sure can. If you ever decide that you no longer want your policy, all you have to do is contact us directly to cancel your policy. There are no fees or other financial penalties for cancelling your Accidental Death and Dismemberment or Accident Expense Direct policy.

When Will My Coverage Begin?

Your Accidental Death Direct or Accident Expense Direct coverage will begin after you purchase the coverage. The insurer will need to verify your identity and the information provided, as required by law. Even though they will still be processing your application and you will not receive a copy of your policy for a couple days, rest assured that, once issued, you're covered as of the time you submitted your application.

Do I Have to Provide My SSN?

Yes, you do, and here's why. We use the social security number of the person who is covered by the policy as a way to positively identify that person in the event a claim is filed for the policy benefits. If years from now you pass away and your spouse, child or other beneficiary wants to collect the money from your policy, we'll use your social security number as one way of making sure that you are in fact the person covered by the policy. Think of it as helping ensure that your loved ones get the money they deserve after you are gone.

Can I Change Beneficiaries?

Sure. At any time, you can remove or add people you want to receive the financial proceeds of your accidental death benefit under the policies in the event your death is caused by an accident. There's no limit to the number of people you can name as beneficiaries and no penalty for changing beneficiaries.

What are Triple Benefits?

The triple benefits under Accidental Death Direct mean that if you or the other insureds die or sustain certain injuries in a covered accident while travelling in a bus, taxi, airplane or other type of common carrier, the insureds or the beneficiaries will receive three times the amount of your policy's face amount. So if you have $100,000 of coverage and die in a covered common carrier accident, your beneficiaries would receive $300,000.

What are Living Benefits?

Accidental Death Direct living benefits refer to money you would receive for certain injuries suffered in a covered accident. For example, living benefits are paid for the loss of a limb or hearing. The amount of benefits paid depends on the degree of the injury.

Is American General a Good Company?

Yes! American General Life Insurance Company is based in Houston, Texas and has served 13 million customers and paid out $34 billion in life insurance claims and benefits. You and your family can trust American General with your financial future.

What is NOT Covered by Accident Expense Direct?

Accident Expense Direct is a limited-coverage insurance policy designed to help you pay for emergency room treatments, follow-up doctor's appointments, ambulance transportation, X-Ray, MRI, CT Scan, EEG and other medical costs related to a covered accident. It does not cover expenses related to illness or other injuries which are not related to covered accidents.

Can I Buy an Accident Expense Direct Policy Online?

You sure can and it's fast and easy! You're already in the right place, so just answer a few questions to help us find the best coverage for you. After you select a coverage plan, you'll be just a few clicks away from being covered – and you can do it all online.

Are My Spouse and Child Covered Under Accident Expense Direct?

You can help protect your spouse, child(ren) or both by choosing to cover them on you application form. The Spouse Rider and/or the Child Rider will then be added to your Accident Expense Direct policy and the appropriate premiums for those riders will automatically be included in your policy premium.

When Will I Get My Policy Documents?

You will receive a copy of your Accident Expense Direct policy about 48 hours after you submit your application or coverage request form online.

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